Ag Loans

The wide range of tropical fruits flourish in Hawaii and a year-long growing season with varied micro-climates encourages production of vegetables

Capital is often the path to success for many businesses including Hawaii’s farmers. Resources to help farmers find start-up and operating capital are included below.

Commercial Banks & Credit Unions

Commercial banks and credit unions offer direct loans. They also offer participation loans that may be partially funded by another outside source. Banks and credit unions may also fund loans through a government guaranteed loan program such as the Small Business Administration (SBA) or the United States Department of Agriculture (USDA) Rural Development agency.

Farm Credit System

The Farm Credit System is a national financial cooperative that lends money and provides financial services to agriculture in rural America. The Federal Land Bank Association of Hawaii and the Hawaii Production Credit Association merged to form Farm Credit Services of Hawaii.

Federal Loan Programs

Federal loan programs under USDA are applicable for Hawaii’s farmers including Rural Development and Farm Service Agency. The Small Business Administration also provides loans and works through commercial banks and credit unions.

Hawaii State Agricultural Loans

Hawaii State Department of Agriculture provides direct loans after farmers have been declined through commercial banks, loan participation programs and loan guarantee programs.

Important Resources & Links (Scroll down and click on content)


Farm Credit Services of Hawaii – Part of the nationwide FARM CREDIT SYSTEM

Small Business Administration

United States Department of Agriculture Rural Development


For Additional Guidance:

Hawaii State Department of Agriculture :

Hilo: 75 Aupuni Street #104

Hilo, Hawaii 96720

Telephone: (808) 933-9975



Kona Civic Center

82-6130 Mamalahoa Highway, Captain Cook, Hawaii 96704

Telephone: (808) 323-7591

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